Terms of Business
- Accepting our Terms of Business
- About Us
- Product Providers
- Compensation Arrangements
Cancelling Your Insurance
How to cancel
Your cancellation rights
Fees & Charges
Our Earnings (Commission Rates)
In return for placing business with insurers, underwriters, and other product providers we normally receive a commission from them which is a percentage of the annual premium that you are charged with. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business.
Please be assured that at no time will the way in which we are remunerated conflict with our responsibilities to meet your needs.
Documents sent by email
If you receive your policy by email or post, we will send all documentation, including certificate of insurance to the email or postal address you have supplied to us. Please note your insurer has the right to cancel a policy by giving you seven days’ notice which would be communicated by email. It is therefore important that we hold the correct email address for you so please contact us if you change your email address.
Protecting your information
All personal data held about you will be collected, processed and stored securely in accordance with the Data Protection Legislation. When we refer to the Data Protection Legislation, we mean:
- the Data Protection Act 2018 (“the 2018 Act”) and the United Kingdom General Data Protection Regulation (“UK GDPR”) and any national implementing laws, regulations and secondary legislation, as amended or updated from time to time, in the UK;
- the General Data Protection Regulation EU 2016/679 (“GDPR”) where applicable;
- the Privacy and Electronic Communications (EC Directive) Regulations 2003 (“PECR”); and
- any applicable successor legislation.
We may share your personal data with legitimate third parties where the disclosure is made at your request; or to validate your insurance contract where the law requires us to; or where a mutual third party requires us to validate your insurance contract. Our regulators, for example, the FCA, may ask us to provide it with access to our customer records in order that it may carry out a review of our activities.
Under Data Protection Legislation, you have various privacy rights in respect of your personal data including the right to access and the right to find out about how your data is collected, used and stored. We have set out your rights and how we use your personal data in more detail in our Privacy Notice available on our website www.guardsman.co.uk If you have any questions about how we use your personal data, please contact our Data Protection Officer at The Data Protection Officer, Acasta European Insurance Company Limited, Unit 1, 124 Irish Town, Gibraltar, GX11 1AA or email dpo@acastaeurope.co.uk
How to Make a Claim
Complaints
Termination
Law and jurisdiction
These Terms of Business shall be governed by and construed in accordance with English Law and shall be subject to the exclusive jurisdiction of the courts of England and Wales.
